| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 1.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO RD STE 650 LUTHERVILLE TIMONIUM, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER CO., INC. | 9690 DEERECO ROAD STE 650 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $2K | $18K | 24.90% |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | AFLAC | $3K | $67 | $3K | 5.18% |
| TAMMY E JONES3 | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $983 | $24 | $1K | 1.50% |
| BARBARA JEAN ANDERSON3 | 7724 CALLE CARACAS CARLSBAD, CA 92009 | AFLAC | $1K | — | $1K | 1.49% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $772 | $57 | $829 | 1.23% |
| STEVEN R WEINER3 | 13266 W MULBERRY DR LITCHFIELD PARK, AZ 85340 | AFLAC | $527 | $153 | $680 | 1.01% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $583 | — | $583 | 0.87% |
| ROBERT ALLEN3 | 11632 W TENAZA DR PEORIA, AZ 85383 | AFLAC | $349 | $8 | $357 | 0.53% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $343 | $5 | $348 | 0.52% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $263 | — | $263 | 0.39% |
| BRUCE BETZ3 | 17229 VENDOR PL POWAY, CA 92064 | AFLAC | $217 | — | $217 | 0.32% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $197 | — | $197 | 0.29% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $179 | $13 | $192 | 0.29% |
| DENNIS P HASTINGS3 | 5 TARLINI WAY LANGHORNE, PA 19047 | AFLAC | $180 | $11 | $191 | 0.28% |
| DREW SKIBITSKY3 | 1344 ASHTON ROAD STE 200 HANOVER, MD 21076 | AFLAC | $165 | $5 | $170 | 0.25% |
| JASON ELIJAH ANGEL3 | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $150 | — | $150 | 0.22% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $145 | — | $145 | 0.22% |
| DAVID M ROBINSON3 | 225 HARRIS DR SEWELL, NJ 08080 | AFLAC | $131 | — | $131 | 0.20% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $117 | $11 | $128 | 0.19% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $91 | $28 | $119 | 0.18% |
| GAIL I BEAGLE3 | 323 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $114 | — | $114 | 0.17% |
| MITCHELL B RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $104 | — | $104 | 0.15% |
| TIMOTHY KNEIDEL3 | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $63 | $21 | $84 | 0.13% |
| LISA A BARKSDALE3 | 100 MERLINO LN MAYS LANDING, NJ 08330 | AFLAC | $80 | — | $80 | 0.12% |
| MARK R KOWALSKI3 | 33 BRYAN CT GETTYSBURG, PA 17325 | AFLAC | $79 | — | $79 | 0.12% |
| KIMBERLY J STRIKER3 | 136 THE COURTYARD BOONE, NC 28607 | AFLAC | $79 | — | $79 | 0.12% |
| THOMAS ARTHUR WILLIAMS3 | 2625 DAHLIA DR FT WORTH, TX 76123 | AFLAC | $78 | — | $78 | 0.12% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $58 | $13 | $71 | 0.11% |
| ELENI A NIKOLAS3 | 3869 WINTERGREEN CT MARIETTA, GA 30062 | AFLAC | $69 | — | $69 | 0.10% |
| ANNE FISHER3 | 106 3RD ST ELMER, NJ 08318 | AFLAC | $65 | — | $65 | 0.10% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $59 | — | $59 | 0.09% |
| PETER ERIC CHRISTIANSON3 | 1204 LONDON CT WARRINGTON, PA 18976 | AFLAC | $52 | — | $52 | 0.08% |
| KATHY LYNDE LEBLANC3 | 6708 FOREST PARK DR ARLINGTON, TX 76001 | AFLAC | $51 | — | $51 | 0.08% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $51 | — | $51 | 0.08% |
| THOMAS WELLS3 Filed as: THOMAS M WELLS | 3926 AERIES WAY VIRGINIA BEACH, VA 23455 | AFLAC | $50 | — | $50 | 0.07% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $50 | — | $50 | 0.07% |
| PATRICIA A MACADAMS3 | 620 HIGH ST WOODBURY, NJ 08096 | AFLAC | $45 | — | $45 | 0.07% |
| ELAINE GAUDY3 | 10 FOXWOOD DR APT A MORRIS PLAINS, NJ 07950 | AFLAC | $44 | — | $44 | 0.07% |
| AIMEE BRANDON3 Filed as: AIMEE ZWEIL BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $44 | — | $44 | 0.07% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $43 | — | $43 | 0.06% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD DAP MAY COURT HOUSE, NJ 08210 | AFLAC | $40 | — | $40 | 0.06% |
| STEPHANIE L HONEYCUTT3 | 9510 LOST KEY CT RALEIGH, NC 27617 | AFLAC | $31 | — | $31 | 0.05% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 343 CORAL REEF WAY HARDEEVILLE, SC 29927 | AFLAC | $30 | — | $30 | 0.04% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $30 | — | $30 | 0.04% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $28 | — | $28 | 0.04% |
| REBECCA MAYES3 | 6670 HELENA MORIAH RD STE 290 ROUGEMONT, NC 27572 | AFLAC | $25 | — | $25 | 0.04% |
| ARTHUR A. KOUSHEL3 Filed as: ARTHUR A KOUSHEL | 17840 N BLACK CANYON HWY PHOENIX, AZ 85053 | AFLAC | $24 | — | $24 | 0.04% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $24 | — | $24 | 0.04% |
| JENNIFER L VANROEKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $23 | — | $23 | 0.03% |
| RAYMOND J. MULLIGAN3 Filed as: RAYMOND J MULLIGAN | 8765 W KELTON LN BLDG B1 PEORIA, AZ 85382 | AFLAC | $22 | — | $22 | 0.03% |
| JEAN CLAUDE FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $22 | — | $22 | 0.03% |
| ELVIRA GUERRA MATA3 | 1621 RUSH AVE VISTA, CA 92084 | AFLAC | $21 | — | $21 | 0.03% |
| CHARLES P SHETTLE3 | 1400 BATTERY AVE BALTIMORE, MD 21230 | AFLAC | $20 | — | $20 | 0.03% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $19 | — | $19 | 0.03% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $19 | — | $19 | 0.03% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $18 | — | $18 | 0.03% |
| MICHELE L BOGRETTE3 | 989 BEAR TAVERN RD TRENTON, NJ 08628 | AFLAC | $16 | — | $16 | 0.02% |
| MANDY MAYES3 Filed as: MANDY L MAYES | 5611 COLLINS DR DURHAM, NC 27712 | AFLAC | $16 | — | $16 | 0.02% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $15 | — | $15 | 0.02% |
| ELLYN S CHURCH3 | 103 GLENVIEW AVE WYNCOTE, PA 19095 | AFLAC | $15 | — | $15 | 0.02% |
| LONA N ONGARO3 | 675 TEA ST APT 1211 BOUND BROOK, NJ 08805 | AFLAC | $15 | — | $15 | 0.02% |
| KADI M SCHENK3 | PO BOX 638 FEASTERVILLE TREVOSE, PA 19053 | AFLAC | $14 | — | $14 | 0.02% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $12 | — | $12 | 0.02% |
| CHRISTOPHER L KENNEDY3 | 91-1099 KAI OIO ST EWA BEACH, HI 96706 | AFLAC | $10 | — | $10 | 0.01% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $10 | — | $10 | 0.01% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $9 | — | $9 | 0.01% |
| MARCIE A DAVENPORT3 | 4869 W COTTAGE BROOK CIR WEST VALLEY CITY, UT 84120 | AFLAC | $9 | — | $9 | 0.01% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $8 | — | $8 | 0.01% |
| KENNETH MACADAMS3 Filed as: KENNETH E MACADAMS | 534 JEFFERSON AVE GLOUCESTER CITY, NJ 08030 | AFLAC | $8 | — | $8 | 0.01% |
| JOANN HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $8 | — | $8 | 0.01% |
| GLEN DOUGLAS GABLE3 | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $7 | — | $7 | 0.01% |
| DARLENE S DILLON3 | 55 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $7 | — | $7 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $7 | — | $7 | 0.01% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $6 | — | $6 | 0.01% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $6 | — | $6 | 0.01% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 89118 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $5 | — | $5 | 0.01% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C- 6 NEWPORT NEWS, VA 23606 | AFLAC | $5 | — | $5 | 0.01% |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $4 | — | $4 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | — | $4 | 0.01% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $4 | — | $4 | 0.01% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $4 | — | $4 | 0.01% |
| DARLENE S DILLON3 | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $4 | — | $4 | 0.01% |
| JOSHUA J CONTRERAS3 | 1811 ESTERS RD APT 1068 IRVING, TX 75061 | AFLAC | $3 | — | $3 | 0.00% |
| LISA CARNEY3 Filed as: LISA A CARNEY | 190 N EVERGREEN AVE STE 206 WOODBURY, NJ 08096 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.00% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM FEDO3 Filed as: WILLIAM C FEDO | 3224 SUMMIT AVE PARKVILLE, MD 21234 | AFLAC | $2 | — | $2 | 0.00% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD S SANDERS3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.00% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $2 | — | $2 | 0.00% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $2 | — | $2 | 0.00% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFERY S GIBSON3 | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LANE MT. ARLINGTON, NJ 07856 | AFLAC | $1 | — | $1 | 0.00% |
| NANCY M ANDERSON3 | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $1 | — | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW D WALLER3 | 11800 LINDEN CHAPEL RD CLARKSVILLE, MD 21029 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | AFLAC | $1 | — | $1 | 0.00% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $1 | — | $1 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER CO., INC. | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 24.83% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER CO., INC. | 9690 DEERECO RD STE 650 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $590 | $5K | 24.86% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | EYEMED VISION CARE | $2K | — | $2K | 12.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L. WARNER COMPANIES, INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| SUZANNE HELENE TRIMPOLI3 | 2605 TOWNEHOUSE DR CORAM, NY 11727 | AFLAC | $40 | — | $40 | 2.50% |
| JANICE TAYLOR3 Filed as: JANICE A TAYLOR | 40 BEVERLY DR WARWICK, NY 10990 | AFLAC | $35 | — | $35 | 2.18% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $28 | — | $28 | 1.75% |
| STEPHEN FLECKER3 | 356 MIDDLE COUNTRY RD STE 207 CORAM, NY 11727 | AFLAC | $25 | — | $25 | 1.56% |
| PERRY E MEDINA3 | 30 DOROTHY DR MONROE, NY 10950 | AFLAC | $21 | — | $21 | 1.31% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $10 | — | $10 | 0.62% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $8 | — | $8 | 0.50% |
| TAMMY E JONES3 | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $6 | — | $6 | 0.37% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $5 | — | $5 | 0.31% |
| KENNETH B COFER3 Filed as: KENNETH BAIRD COFER | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $3 | — | $3 | 0.19% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 817 MAIDEN CHOICE LN STE 340 CATONSVILLE, MD 21228 | AFLAC | $2 | — | $2 | 0.12% |
| MICHAEL S CHILLE3 | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $2 | — | $2 | 0.12% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D. MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $1 | — | $1 | 0.06% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $2.2M |
| Dental(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $2.3M |
| Vision(3 contracts, 2 carriers) | AFLAC | 249 | $86K |
| Life insurance(4 contracts, 3 carriers) | AFLAC | 79 | $91K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 114 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $71K |
| Other(4 contracts, 3 carriers) | AFLAC | 79 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.